| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATHERINE C WOOD3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 2.65% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.16% |
| KATHERINE C WOOD3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 2.42% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $734 | — | $734 | 0.61% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $58 | $58 | 0.05% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | PO BOX 1801 ADRIAN, MI 49221 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 4.58% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $808 | $7K | 17.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | UNUM LLIFE INSURANCE COMPANY OF AMERICA | $4K | $534 | $5K | 17.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY | PO BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $294 | $3K | 16.94% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND CO INC | PO BOX 1801 ADRIAN, MI 49221 | VISION SERVICE PLAN | $684 | — | $684 | 7.89% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 196 | $1.2M |
| Dental | NATIONAL GUARDIAN LIFE | 87 | $58K |
| Vision | VISION SERVICE PLAN | 57 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNUM LLIFE INSURANCE COMPANY OF AMERICA | 139 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $15K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 196 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LLIFE INSURANCE COMPANY OF AMERICA | 139 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.